this post was submitted on 24 Sep 2023
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[NL] A cashless shop in Amsterdam uses Zettle (paypal) - what are the privacy ramifications? (slrpnk.net)
submitted 1 year ago* (last edited 1 year ago) by [email protected] to c/[email protected]
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I went to a cafe in Amsterdam which turned out to not only be cashless, but their payment processor was “Zettle”. Zettle is owned by #PayPal (who shares customer data with over 600 corporations).

So my question is, apart from the expected privacy consequence of your bank & the recipient’s bank recording your transaction, what does Paypal walk away with? Paypal is a data-abusing US-based company. But OTOH the shop is in a #GDPR region. Does the GDPR give any protection in this case?

IIUC, customers consent by default to their data being processed by the merchant & whoever the merchant hires (Paypal), and from there whoever paypal shares with & on down the endless chain. The only notable GDPR protection I can think of is that the data must remain in the EU. So the transaction data cannot be sent to Paypal’s servers in the USA -- correct?

BTW, I asked the owner why he trusts Zettle & also why he does not accept cash. He conceded right away that he didn’t like it either. He said he’s cashless for security and that when he looked at a number of electronic payment systems, Zettle was the cheapest. For me, “cheapest” is a red flag. It’s probably cheap because the data is probably being monetized.

Concrete question: if an American feeds a US-issued credit card into a #Zettle terminal to buy a creme-filled artery-hardening pastry in Amsterdam, is there anything to stop Paypal from doing the processing on the US-side of the transaction before selling that info to a US health insurance company?

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[–] [email protected] 1 points 1 year ago

I’ve not been in a coffee shop in a long time, but I would be shocked if a coffee shop were cashless. I would hope a cashless coffee shop would struggle to find enough customers to be so reckless.

I use cash for everything I can, generally. And I tend to boycott the cashless shops. But in the case at hand (at a cafe), I tapped my card & it was seamless. If I were to make a habit of visiting that place, I would bring exact change and insist on paying cash or I’d walk. Staff at some cashless shops will pay for you with their own card if you don’t need change.